”David left them to it, hoping this would turn into a permanent relationship so that his mother would have more than the odd trip to Cheshire to loo... forward to. He couldn’t keep on servicing both of them without some help.He walked down through the small town to the park by the river, he paused, looking at the toilet block, remembering how this had all started.“Hi David,” a voice came from behind him, he turned to see the smiling face of Paul Lovell the son of the optician.Paul was about the. ”“Interesting. So what about banks?”“Same thing. Ditch FDIC insurance and let the banks buy depositor insurance on the open market. Or, let depositors buy it themselves. The insurance companies would rate the banks and set their rates appropriately. And investors would know how risky a bank was based on the insurance rates.”“I’m not sure how well that would work. What if an insurance company went bankrupt?”“There’s something called ‘reinsurance’ that helps spread the risk. And insurance. More

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